Banks in Mclennan County, TX

23 FDIC-insured banks operate 60 branches in Mclennan County, Texas, holding $7.26B in total deposits as of the 2023 FDIC Summary of Deposits. First National Bank of Central Texas leads the market with 14.8% share. Deposit market share is the clearest available measure of competitive position in a local market: it reflects where households and businesses actually keep their money, rather than where institutions advertise or how many branches they operate.

Mclennan County market profile

Understanding a deposit market requires knowing the market itself. These figures come from the US Census Bureau American Community Survey 2024 five-year estimates. Median family income is the measure federal regulators use to define low- and moderate-income thresholds under the Community Reinvestment Act, which is why it is reported here separately from household income.

Population	266,067
Median family income	$86,544
Median home value	$243,600
Banks operating in county	23
Bank branches	60

Deposit market share in Mclennan County

Ranked by deposits held within county borders. A bank's county deposits are the sum across all of its branches in that county, so an institution with several locations appears once. Figures are as of June 30, 2023, the annual reporting date for the FDIC Summary of Deposits.

Rank	Bank	Deposits	Share	Branches
1	First National Bank of Central Texas	$1.07B	14.79%	4
2	The First National Bank of McGregor	$769.7M	10.61%	5
3	Central National Bank	$642.8M	8.86%	2
4	Alliance Bank Central Texas	$573.7M	7.91%	3
5	American Bank, National Association	$558.0M	7.69%	4
6	Community Bank & Trust, Waco, Texas	$531.9M	7.33%	4
7	Bank of America, National Association	$531.3M	7.32%	2
8	Extraco Banks, National Association	$497.4M	6.86%	3
9	Wells Fargo Bank, National Association	$367.0M	5.06%	3
10	Independent Bank	$333.2M	4.59%	2
11	JPMorgan Chase Bank, National Association	$303.8M	4.19%	2
12	Cadence Bank	$222.8M	3.07%	4
13	PNC Bank, National Association	$198.8M	2.74%	3
14	POINTWEST BANK	$149.9M	2.07%	4
15	Citizens State Bank	$116.8M	1.61%	1
16	Fidelity Bank of Texas	$93.4M	1.29%	2
17	Security Bank of Texas	$65.6M	0.90%	1
18	First Guaranty Bank	$57.5M	0.79%	1
19	The First National Bank of Moody	$43.8M	0.60%	1
20	Sunflower Bank, National Association	$36.7M	0.51%	1
21	First National Bank of Bosque County	$34.9M	0.48%	1
22	Incommons Bank, N.A.	$27.8M	0.38%	2
23	First National Bank Texas	$25.6M	0.35%	5

About this data

The FDIC Summary of Deposits is an annual survey of branch office deposits filed by every FDIC-insured institution as of June 30 each year. It is the authoritative source for local deposit market share and is the dataset regulators use when assessing competitive effects of bank mergers. Because it is annual, it reflects a point in time rather than current balances. Vault republishes it without modification, free to access and free to cite. Available to AI agents at vaultbot.ai/mcp.